Our Approach to Financial Planning
Personalised Financial Planning Built Around You
A clear, step-by-step process tailored to your financial goals.
Good financial planning starts with understanding you.
At Culverhouse & Co, we take the time to understand your goals, circumstances and priorities before developing a personalised financial plan. Our process is designed to give you greater clarity, confidence and control over your financial future.
Whether you are planning for retirement, reviewing your investments, protecting your family or preparing for future financial commitments, we provide clear advice tailored to your needs.
What Can Financial Planning Help You With?
Depending on your circumstances, our financial planning process may consider:
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Pension and retirement planning
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Savings and investments
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Cash flow planning
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Inheritance tax planning
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Family protection
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School fees planning
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Long-term care planning
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Ethical investing
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Tax-efficient financial planning
How Our Financial Planning Process Works
1. Getting to Know You
We start by understanding your goals, current financial picture, and what matters most to you.
This includes an initial, no-obligation conversation where we explain our services, fees, and how we work. This first step is always at our expense.
2. Designing Your Financial Plan
Once we’ve gathered key information from you and your existing providers, we compile a clear picture of your finances in a Fact Find document.
Based on your goals, we produce a fully personalised Strategic Review, outlining our expert recommendations tailored to your needs and circumstances.
3. Putting the Plan into Action
With your approval, we move forward by implementing your strategy.
Whether that involves starting or switching pensions, updating investment allocations, or improving how your savings work for you - we make sure everything is set up smoothly and efficiently.
4. Keeping Everything on Track
Your financial plan evolves with you. That’s why we regularly review your investments, aligned with your agreed risk level and changing priorities.
You’ll also have 24/7 access to your full financial picture through our secure Personal Finance Portal, and we’re always just a call away whenever you need advice or support.
Personal Advice Supported by Practical Technology
We combine personal advice with practical technology.
Our Personal Finance Portal helps you view relevant financial information and keep track of your plan, while our advisers remain available to explain, review and discuss your options.
Technology supports the process, but personal understanding and ongoing communication remain at its centre.
FAQs
What is your approach to financial planning?
Our approach is personal and structured around your goals, circumstances and attitude to risk. We take time to understand where you are now, where you want to be and what needs to happen to help you get there.
What happens during the financial planning process?
We start by understanding your circumstances, goals and priorities. We then review your financial position, develop personalised recommendations, help you put the agreed plan into action and provide ongoing reviews to keep your finances on track.
What happens at the first meeting with a financial adviser?
The first conversation is an opportunity to discuss your circumstances, what you want to achieve and how we work. We can explain our services and fees, and there is no obligation to proceed.
Will you review my existing pensions and investments?
Yes. We can gather information about your existing pensions, investments and other financial arrangements and assess how they fit with your objectives, circumstances and attitude to risk.
What is a financial plan based on?
Your financial plan is based on your circumstances, objectives, priorities and attitude to risk. We consider your wider financial position rather than looking at individual investments or pensions in isolation.
How do you assess my attitude to investment risk?
We use a risk profiling questionnaire and analysis tools to help assess your attitude to risk, including your risk tolerance, capacity for loss and need for investment growth. This helps us consider solutions appropriate to your circumstances.
Will you help implement my financial plan?
Yes. Once you have approved our recommendations, we can help put your financial strategy into action. This may include starting or switching pensions, changing investment allocations or reviewing how your savings are structured.
How often will my financial plan be reviewed?
Your financial plan should evolve as your circumstances and priorities change. We provide ongoing reviews of your investments and financial plan to help ensure they remain aligned with your agreed objectives and risk level.
Can I access my financial information between reviews?
Yes. Clients have access to our secure Personal Finance Portal, allowing you to view your financial information and overall position at any time.
Do I have to commit to financial advice after the initial consultation?
No. The initial conversation is no-obligation and is provided at our expense. It gives you the opportunity to understand our approach, services and fees before deciding whether you would like to proceed.
Support from a Wider Team with Global Expertise
While our advice is tailored to your unique circumstances, it is backed by insights from a wider team of financial specialists.
We draw on research from leading fund managers, investment houses, and risk assessment experts to provide clear, forward-thinking recommendations.
That’s why our work is supported by a wide variety of experts, research and software.
We use a risk profiling questionnaire and associated analysis tools, based on the world’s most academically validated psychometric risk tolerance assessment, to provide a full understanding of your attitude to risk that includes your risk tolerance, need and capacity for loss.*
We identify potential investments appropriate to your risk profile, for consideration. The identification of investments is based on our research, coupled with ongoing international insight from specialist investment fund research and ratings providers, which takes into account ongoing world events; meaning that our approach is global.
We are supported by a team of UK-based compliance and technical experts throughout the process, ultimately with your protection in mind.
*Source: Morningstar